Minnesota vs Pennsylvania Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Minnesota is $200/yr cheaper on average.

Fewer Uninsured

Pennsylvania has a lower uninsured rate (7.6% vs 7.9%).

Rate & Coverage Comparison

Attribute	Minnesota	Pennsylvania
Avg Annual Premium	$1,560	$1,760
Min Liability	$510	$580
Full Coverage	$1,560	$1,760
Fault System	No-Fault	No-Fault
Uninsured Rate	7.9%	7.6%
Registered Vehicles	4,679,740	10,662,460
Accidents/Year	70,196	159,936
Population	5,707,000	13,003,000

Minimum Coverage Requirements

Minnesota

30/60 / 10 liability

Pennsylvania

15/30 / 5 liability

Premium Comparison

Minnesota$510 – $1,560

Liability: $510Avg: $1,560Full: $1,560

Pennsylvania$580 – $1,760

Liability: $580Avg: $1,760Full: $1,760

MinnesotaFull rates, age breakdown, requirements →PennsylvaniaFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Minnesota or Pennsylvania?

Minnesota has cheaper car insurance, with an average annual premium of $1,560 compared to $1,760 in Pennsylvania - a difference of $200 per year.

How do Minnesota and Pennsylvania compare on fault systems?

Minnesota uses a no-fault system while Pennsylvania uses a no-fault system. Both states use the same system.

What are the minimum insurance requirements in Minnesota vs Pennsylvania?

Minnesota requires 30/60 / 10 liability. Pennsylvania requires 15/30 / 5 liability. Minimum liability costs $510/yr in Minnesota and $580/yr in Pennsylvania.

Which state has more uninsured drivers, Minnesota or Pennsylvania?

Minnesota has a higher uninsured driver rate at 7.9%, compared to 7.6% in Pennsylvania. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Minnesota vs Pennsylvania insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Minnesota

Pennsylvania

Avg Annual Premium

$1,560

$1,760

Min Liability

$510

$580

Full Coverage

$1,560

$1,760

Fault System

No-Fault

Uninsured Rate

7.9%

7.6%

Registered Vehicles

4,679,740

10,662,460

Accidents/Year

70,196

159,936

Population

5,707,000

13,003,000